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my fixed rate taking up next month

Hi

I am to take up nationwides mortgage next month of 4.89% on LTV 75% on a 85k house. This we paid £400 for as a mortgage arrangement fee and £99 product fee. Its 4.89%, £369.6 a month for 5 years. But, just looked now and this has dropped to 4.14% with the same costs. It could save me £27 a month, per month for 5 years, so £1620.

What shall I do?

Oh, and we are not accepted with yorkshire building society

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